59 years and under
• No stability period for trips of 35 days and less *
• 90-day stability period for trips over 35 days
60 to 74 years
• 180-day stability period for all trip lengths
75 to 89 years
• 365-day stability period for all trip lengths
* Conditions and / or symptoms which arose or worsened on the date of departure, or at any time within the seven days prior to the date of departure, other than a minor ailment, will not be covered.

Deductible

Automatic $ 250 deductible; buy-out option available or other deductible options up to $ 100,000 for premium discount

One temporary visit to home province during a single trip

Includes up to a maximum of 10 days

Family rate

Available up to age 59; includes grandparents and grandchildren as well as children up to age 21 or 25 if full-time students; no age limit if children are mentally / physically handicapped

Subrogation

No subrogation against any employment plans with a lifetime maximum limit of $100,000 or less

• Up to $500 per practitioner including a licensed physiotherapist, chiropractor, chiropodist, osteopath, podiatrist and optometrist

Dental

• Up to $4,000 for accident
• Up to $500 for any other dental emergencies

Hospital allowance

$50 per day to a maximum of $500 for incidental hospital charges

Emergency air transportation

Up to policy limit; includes cost of air ambulance, stretcher fare or one-way economy airfare, medical attendant or travelling companion, seat upgrade when medically necessary (for insured and attendant or travelling companion)

Return of excess baggage

Up to $200, provided there was no room aboard and when the insured is returned to the home province under the Emergency Air Transportation Benefit or Repatriation Benefit

Return of travelling companion

A one-way economy airfare back to the departure point if the insured is returned home for medical reasons

Escort of children/grandchildren

Up to age 21 or 25 if full-time student; no age limit for mentally/physically handicapped

Repatriation

• Up to $10,000 for repatriation (excluding cost of coffin)
• Up to $4,000 for burial/cremation at place of death (excluding cost of burial coffin or urn)
• Transportation costs for one family member to identify the body and up to $150 per day for meals and
accommodation to a maximum of five days; the family member will also be covered as an insured for a maximum
of five days

Family transportation

One economy return airfare or ground transportation costs and up to $150 per day for out-of-pocket expenses

Out-of-pocket expenses

Up to $400 per day to a maximum of $4,000 when insured or travelling companion is hospitalized on the date scheduled to return to the home province or when transferred to a different hospital in another city for emergency medical treatment

Return of vehicle

Up to $4,000

Return to your destination

One-way economy airfare by the most direct route to return to the insured’s original trip destination following a return to their home province under the Emergency Air Transportation Benefit

Return of accompanying dog or cat

Up to $300

保费（$/天）

(The rates below have deductible $250. The total premimu per policy must be $15 or greater.)

全球旅游（不包括美国）

Age

Length of Stay

0-65 days

66-125 days

126-182*

183-365

EXt.

Individual Rates

0-40

1.63

1.91

2.19

2.19

2.19

41-55

2.13

2.29

2.46

2.46

2.46

56-59

2.46

2.73

3.00

3.00

3.00

Family Rates (based on age of oldest family member)

0-40

3.27

3.83

4.36

4.36

4.36

41-55

4.28

4.58

4.92

4.92

4.92

56-59

4.92

5.46

6.03

6.03

6.03

*212 days in Ontario. The insured age 60 and over for invidual rates should fill questionaire and chooses the rate category( quesiotnaire form and relative rate availble at the attachment)

全球旅游（包括美国）

Age

Length of Stay

0-65 days

66-125 days

126-182*

183-365

EXt.

Individual Rates

0-40

1.83

2.12

2.43

2.43

2.43

41-55

2.37

2.55

2.73

2.73

2.73

56-59

2.73

3.03

3.34

3.34

3.34

Family Rates (based on age of oldest family member)

0-40

3.64

4.26

4.85

4.85

4.85

41-55

4.73

5.09

5.46

5.46

5.46

56-59

5.46

6.07

6.67

6.67

6.67

*212 days in Ontario. The insured age 60 and over for invidual rates should fill questionaire and chooses the rate category( quesiotnaire form and relative rate availble at the attachment)

The language in this summary may not be the same as the legal and technical terminology found in the official policy wording. In all instances, the official policy wording will prevail. For complete details, refer to the policy wording which is available upon request.